Civic Intelligence

Minnco Credit Union

EIN 41-0174775 • 501(c)14 • Cambridge, MN

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Profile

state chartered credit union - nurturing relationships . . . exceeding expectations

235 1st Ave WCambridge, MN 55008-1528

minnco.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

91st percentile

0.93x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

85th percentile

18.12x

Higher debt load relative to revenue than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

57th percentile

11%

Higher net margin than 57% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

64th percentile

$506,439

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

35th percentile

1.0%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

84th percentile

22%

Faster revenue growth than 84% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$523,432,126

Up $5,398,123 (+1.0%) from 2023

Liabilities

Up

$488,308,460

Up $1,775,509 (+0.4%) from 2023

Net Assets

Up

$35,123,666

Up $3,622,614 (+11%) from 2023

Operations
Liabilities / Revenue85th percentileNet Margin57th percentile

Revenue

Up

$26,953,300

Up $4,913,121 (+22%) from 2023

Expenses

Up

$24,074,295

Up $5,115,864 (+27%) from 2023

Net Income

Down

$2,879,005

Down $202,743 (-6.6%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $165,968,238Liabilities 2010: $150,377,537Net Assets 2010: $15,590,7012010Assets 2011: $178,386,797Liabilities 2011: $161,966,594Net Assets 2011: $16,420,2032011Assets 2012: $191,601,013Liabilities 2012: $173,489,246Net Assets 2012: $18,111,7672012Assets 2013: $204,711,057Liabilities 2013: $185,001,799Net Assets 2013: $19,709,2582013Assets 2014: $217,755,888Liabilities 2014: $196,082,427Net Assets 2014: $21,673,4612014Assets 2015: $237,819,119Liabilities 2015: $213,981,126Net Assets 2015: $23,837,9932015Assets 2016: $259,913,606Liabilities 2016: $234,375,338Net Assets 2016: $25,538,2682016Assets 2017: $280,385,220Liabilities 2017: $251,873,638Net Assets 2017: $28,511,5822017Assets 2018: $303,036,852Liabilities 2018: $272,627,288Net Assets 2018: $30,409,5642018Assets 2019: $324,556,258Liabilities 2019: $290,090,179Net Assets 2019: $34,466,0792019Assets 2020: $406,346,048Liabilities 2020: $367,978,705Net Assets 2020: $38,367,3432020Assets 2021: $474,930,178Liabilities 2021: $434,348,588Net Assets 2021: $40,581,5902021Assets 2022: $505,736,590Liabilities 2022: $479,173,398Net Assets 2022: $26,563,1922022Assets 2023: $518,034,003Liabilities 2023: $486,532,951Net Assets 2023: $31,501,0522023Assets 2024: $523,432,126Liabilities 2024: $488,308,460Net Assets 2024: $35,123,6662024

Highlighted filing

2024

Assets$523,432,126
Liabilities$488,308,460
Net Assets$35,123,666
Open 2024 Filing

Operations Trend

Revenue Growth84th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $11,341,2722010Expenses 2011: $10,539,9012011Expenses 2012: $9,524,1842012Revenue 2013: $10,754,404Expenses 2013: $9,033,134Net Income 2013: $1,721,2702013Revenue 2014: $10,874,743Expenses 2014: $9,144,420Net Income 2014: $1,730,3232014Revenue 2015: $11,167,043Expenses 2015: $8,854,753Net Income 2015: $2,312,2902015Revenue 2016: $11,675,677Expenses 2016: $9,634,926Net Income 2016: $2,040,7512016Revenue 2017: $12,945,122Expenses 2017: $9,872,565Net Income 2017: $3,072,5572017Revenue 2018: $14,022,008Expenses 2018: $11,378,178Net Income 2018: $2,643,8302018Revenue 2019: $14,367,472Expenses 2019: $12,197,463Net Income 2019: $2,170,0092019Revenue 2020: $16,147,841Expenses 2020: $13,731,181Net Income 2020: $2,416,6602020Revenue 2021: $17,267,094Expenses 2021: $12,109,434Net Income 2021: $5,157,6602021Revenue 2022: $18,225,983Expenses 2022: $13,370,723Net Income 2022: $4,855,2602022Revenue 2023: $22,040,179Expenses 2023: $18,958,431Net Income 2023: $3,081,7482023Revenue 2024: $26,953,300Expenses 2024: $24,074,295Net Income 2024: $2,879,0052024

Highlighted filing

2024

Revenue$26,953,300
Expenses$24,074,295
Net Income$2,879,005
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$523,432,126
Liabilities
$488,308,460
Net assets
$35,123,666
Revenue
$26,953,300
Expenses
$24,074,295
Net income
$2,879,005
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$523$488$35.1$27.0$24.1$2.88
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$518$487$31.5$22.0$19.0$3.08
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$506$479$26.6$18.2$13.4$4.86
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$475$434$40.6$17.3$12.1$5.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$406$368$38.4$16.1$13.7$2.42
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$325$290$34.5$14.4$12.2$2.17
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$303$273$30.4$14.0$11.4$2.64
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$280$252$28.5$12.9$9.87$3.07
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$260$234$25.5$11.7$9.63$2.04
2015Detailed filing. Detailed filing data is available for this year.$238$214$23.8$11.2$8.85$2.31
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$218$196$21.7$10.9$9.14$1.73
2013Detailed filing. Detailed filing data is available for this year.$205$185$19.7$10.8$9.03$1.72
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$192$173$18.1$9.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$178$162$16.4$10.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$166$150$15.6$11.3
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 15, 2023
Return Version
2022v5.0
Gross Receipts
$27,876,546
Mission and Program Overview

Mission

state chartered credit union - nurturing relationships . . . exceeding expectations

state chartered credit union to promote thrift and to provide source of credit for 31,010 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$248,778,852$307,662,462▲ $58,883,610
Savings and Temporary Cash Investments$158,957,259$144,592,728▼ $14,364,531
Rtn Earn Endowment Incm Other Fnds$40,581,590$26,563,192▼ $14,018,398
Cash and Non-Interest-Bearing Accounts$43,840,419$21,315,042▼ $22,525,377
Land, Buildings, and Equipment, Net$9,859,784$17,884,961▲ $8,025,177
Accounts Receivable$1,330,912$646,937▼ $683,975
Prepaid Expenses and Deferred Charges$120,588$237,071▲ $116,483
Pledges and Grants Receivable$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$474,930,178$505,736,590▲ $30,806,412
Other Assets Total$12,042,364$13,397,389▲ $1,355,025
Liabilities
Other Liabilities$428,671,534$461,115,221▲ $32,443,687
Accounts Payable and Accrued Expenses$5,677,054$18,058,177▲ $12,381,123
Total Liabilities$434,348,588$479,173,398▲ $44,824,810
Net Assets / Fund Balance
Total Net Assets Fund Balance$40,581,590$26,563,192▼ $14,018,398
Total Liabilities and Net Assets / Fund Balance$474,930,178$505,736,590▲ $30,806,412

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,143,959$2,958,425$16,102,384
Equipment$1,780,583$5,201,542$6,982,125
Land$2,929,494-$2,929,494
Other Land Buildings$30,925$89,154$120,079
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Doug HallstromPresidentFT$330,323$58,062$388,385
John WendlandSVP Administration and General CounselFT$166,742$22,640$189,382
Todd SandersSVP LendingFT$132,101$17,648$149,749
Rick BorchardtSVP FinanceFT$120,081$21,478$141,559
Kirstin BrussSVP OperationsFT$115,291$21,027$136,318
Brian AndersonVP Commercial LendingFT$130,657-$130,657
Richard SoderbergBoard Member-$713-$713
Jerry SchleicherChairperson-$598-$598
Dave MaurerBoard Member-$472-$472
Lewis LeasureBoard Member-$472-$472
Kory EricksonBoard Member-$403-$403
Dean SchollBoard Member-$380-$380
Wayne AndersonBoard Member-$334-$334
Nicole KlanderudBoard Member-$92-$92
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,086,833
Investment Income
$3,139,150
Other Revenue
$0
Change in Net Assets
$4,855,260

Audited Revenue Reconciliation

Revenue per Audited Statements
$18,225,983
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$18,225,983
Total Revenue per Form 990
$18,225,983
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,942,898
Salaries, Compensation, and Employee Benefits$6,427,825
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,443,355
Interest---$1,432,502
Office Expenses---$1,088,833
Information Technology---$862,879
Other Employee Benefits---$741,236
Occupancy---$600,841
Payroll Taxes---$436,889
Pension Plan Contributions---$415,436
Current Officers, Directors, Trustees, and Key Employees---$390,909
Depreciation Depletion---$371,812
All Other Expenses---$243,209
Advertising---$202,851
Fees for Services Accounting---$66,757
Payments to Affiliates---$56,243
Travel---$42,453
Conferences and Meetings---$17,989
Other Expenses---$1,215
Total Functional Expenses$0$0$0$13,370,723

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$13,370,723
Total Expenses per Audited Statements$13,370,723
Total Expenses per Form 990$13,370,723
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
member share accounts make up the XXX-XX-XXXX$461,115,221
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“As a credit union, we are member owned and have 31,010 members as of 12/31/2022.”

Form 990, Part VI, Section A, Line 7A

“The membership elects board members at the annual meeting.”

Form 990, Part VI, Section A, Line 9

“Doug Hallstrom 2215 3rd Ave NE Cambridge MN 55008 Jerry Schleicher 2365 317th Ave NE Cambridge MN 55008 Kory Erickson 474 329th Ave NW Cambridge MN 55008 Wayne Anderson 27383 Roanoke St NW Isanti MN 55040 Nicole Klanderud 41097 Poor Farm Rd North Branch MN 55056 Dave Maurer 31930 Quincy Ct NE Cambridge MN 55008 Lewis Leasure 822 Dellwood St Cambridge MN 55008 Dean Scholl 5684 Willow Trail Shoreview MN 55126 Richard Soderberg 3619 Krey Ave St Paul MN 55127”

Form 990, Part VI, Section B, Line 11B

“The 990 is prepared by the accountant and then reviewed by the SVP of Finance.”

Form 990, Part VI, Section C, Line 19

“Minnco Credit Union discloses governing documents and financial statements to the public at the annual meeting and upon request.”

Filing and Contact Details

Filer

Filer Name
Minnco Credit Union
EIN
41-0174775
Phone
7636891071
Address
235 1st Ave W, Cambridge, MN 55008-1528

Signing Officer

Name
Rick Borchardt
Title
Senior Vice President - Finance
Phone
7636891071
Signed
2023-05-15

Organization Details

Principal Officer
Doug Hallstrom
Formed
1935
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
121
Volunteers
7
Raw XML AppendixShowing 400 of 525 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt05677054
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt018058177
IRS990/AccountsReceivableGrp/BOYAmt01330912
IRS990/AccountsReceivableGrp/EOYAmt0646937
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0state chartered credit union to promote thrift and to provide source of credit for 31,010 members.
IRS990/AdvertisingGrp/TotalAmt0202851
IRS990/AllOtherExpensesGrp/TotalAmt0243209
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Rick Borchardt
IRS990/BooksInCareOfDetail/PhoneNum07636891071
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02215 3rd Ave NE
IRS990/BooksInCareOfDetail/USAddress/CityNm0Cambridge
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0550081528
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt043840419
IRS990/CashNonInterestBearingGrp/EOYAmt021315042
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0390909
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt017989
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03139150
IRS990/CYOtherExpensesAmt06942898
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt015086833
IRS990/CYRevenuesLessExpensesAmt04855260
IRS990/CYSalariesCompEmpBnftPaidAmt06427825
IRS990/CYTotalExpensesAmt013370723
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt018225983
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0371812
IRS990/Desc0Organization granted 18,828 loans to credit seeking members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0121
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt066757
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt044020
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt217648
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt321478
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt421027
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0Doug Hallstrom
IRS990/Form990PartVIISectionAGrp/PersonNm1John Wendland
IRS990/Form990PartVIISectionAGrp/PersonNm2Todd Sanders
IRS990/Form990PartVIISectionAGrp/PersonNm3Rick Borchardt
IRS990/Form990PartVIISectionAGrp/PersonNm4Kirstin Bruss
IRS990/Form990PartVIISectionAGrp/PersonNm5Brian Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm6Richard Soderberg
IRS990/Form990PartVIISectionAGrp/PersonNm7Jerry Schleicher
IRS990/Form990PartVIISectionAGrp/PersonNm8Dave Maurer
IRS990/Form990PartVIISectionAGrp/PersonNm9Lewis Leasure
IRS990/Form990PartVIISectionAGrp/PersonNm10Kory Erickson
IRS990/Form990PartVIISectionAGrp/PersonNm11Dean Scholl
IRS990/Form990PartVIISectionAGrp/PersonNm12Wayne Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm13Nicole Klanderud
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0380458
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1176012
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12334
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
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